Annual Reminder: Regarding Spring Ballooned Premiums for
Summer Insurance Coverage
Coverage under the University-paid PEBB insurance package of medical, dental, basic life, and basic long term disability will continue through the summer months for full time faculty and staff on less than 11 month appointments, provided they return to eligible pay status in September. Prepaid premiums do not guarantee your coverage through the summer if you do not return in the fall. For those who have a Lecturer position, coverage will end June 30 unless we are notified of your reappointment for the next academic year.
Medical Insurance and Optional Life Insurance:
For appointments paid over the academic year (9 mos.), double insurance premiums are deducted (ballooned) from April 10 through June 25 to collect premiums due for July through September. If your insurance premiums are ballooned and you receive pay anytime in July through September, no medical or life premiums will be deducted. Employees on a semester schedule may have adjustments in fall if full premiums are not collected, due to the early semester end date in May.
Eligibility & Enrollment
Choosing a Medical Plan
Medical plan types
The PEBB Program offers three types of medical plans:
Managed care plans may require you to select a primary care provider (PCP) within its network to fulfill or coordinate all of your health needs. The plan may not pay benefits if you see a non-contracted provider.
Preferred provider organization health plans
PPO’s allow you to self-refer to any approved provider type in most cases, but usually provide a higher level of coverage if the provider contracts with the plan.
Consumer-directed health plans (CDHPs)
CDHPs let you use a health savings account (HSA) to help pay for out-of-pocket medical expenses tax free, have a lower monthly premium than most other plans, and a higher deductible and a higher out-of-pocket limit. See Health plans with health savings accounts (HSAs).
Choosing a Dental Plan
During the first 31 days of eligibility and during the annual open enrollment, employees may choose among two managed care dental plans and one fee-for-service plan, the Uniform Dental Plan.
- DeltaCare and Willamette Dental Group are managed-care plans.
You must choose a primary dental provider within their networks.
- Uniform Dental (UDP) is a preferred provider plan.
You may choose any provider, but will generally have a lower out-of-pocket costs if you see network providers
Life Insurance Coverage
EWU provides basic life insurance to all employees eligible for full benefits. During the first 31 days of eligibility employees can enroll in optional and AD&D life insurance.
Online: MetLife MyBenefits
Phone: 1-866-548-7139, benefits specialists available Monday through Friday, 5 a.m. to 8 p.m.
Basic Life Insurance (Employer Paid)
EWU provides basic life insurance through MetLife at no cost to the employee. It provides:
- $35,000 for death from any cause.
- An additional $5,000 in case of accidental death or dismemberment.
As an employee, your basic life insurance covers you and pays your designated beneficiaries in the event of your death. Your basic life insurance includes accidental death and dismemberment (AD&D) insurance, which provides extra benefits for certain injuries or death resulting from a covered accident.
Long-Term Disability Coverage
EWU provides basic long-term disability (LTD) insurance to employees eligible for full benefits. During the first 31 days of eligibility employees can enroll in additional optional LTD insurance.
Standard Insurance Co
Customer Service: 1.800.368.2860
LTD Enrollment/Change Form
Long-term disability (LTD) insurance is designed to help protect you from the financial risk of lost earnings due to serious injury or illness. When you enroll in LTD coverage, it pays a percentage of your monthly earnings to you if you become disabled.
What is considered a disability?
Being unable to perform with reasonable continuity the duties of your Own Occupation as a result of sickness, injury, or pregnancy during the benefit waiting period and the first 24 months for which LTD benefits are payable.
Self-Pay Benefits While On Leave
As an employee on Leave without Pay, you are entitled to PEBB continuation coverage (LWOP coverage). Employees may continue medical and dental benefits, life insurance, and in some cases, long-term disability insurance. You must enroll in continuation coverage to enroll your eligible dependents.
You are eligible to self-pay your medical, dental & life insurance, and in some cases long term disability (LTD) if you are on approved leave from an otherwise eligible position.
COBRA and Continuation Coverage
Enrollment and benefit information specific to COBRA coverage for subscribers and their dependents is available here.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives you and your covered dependents the right to continue group health coverage on a self-paid basis if eligibility for the employer-sponsored group medical and dental is lost.
Affordable Care Act
With coverage being available under the Affordable Care Act (ACA), beginning January 2014, most individuals will be required to have health insurance coverage.
Benefits offered to benefit-eligible Eastern Washington University (EWU) faculty and staff, have been determined to meet and/or exceed the standard identified by the ACA including premium affordability and acceptable health coverage levels of coverage. The regular student plan may also be a viable option.
However, employees and students currently not eligible for or covered by benefits through EWU may need/want to review the coverage options available through the Marketplace, a new way to buy health insurance under the ACA. This webpage provides basic information about the Marketplace as well as benefits offered through EWU, and its intended to assist in evaluating options for you and your family.